Industry: Health Care
Age: 43
Location: San Diego
Salary: $171,000. Spouse salary: $68,000 plus $2,000-$3,000 per year in bonuses. We have joint finances and share the account that all the bills come out of. We also get about $300 a month in support from my ex. I have full custody of our daughter and she lives out of the country.
Assets: 401(k): $33,000; 403(b): $1,825; spouse’s 401(k): $18,000. HYSA $25,000; check: $10,739; car paid off: $10,000. equity in home: $214,000.
Debt: $30,000 from various loans and credit cards. $20,000 left on the car note
Payroll amount (bi-weekly): $5,077. Spouse Salary Amount: $2,217.
Pronouns: She/her
Monthly expenses
Monthly housing costs: $4,382
Monthly loan payments:
Credit cards/loans: At least $500 with whatever extra I make going into it.
Student Loan: $190 (mine) $14 (husband’s)
All other monthly expenses:
Utilities: $958 (includes HOA and approx for gas and electric, trash, water, internet)
Car: $464.45
Insurance: $170 (for both cars)
Phone numbers: $278 for three phones
Gym: $10
Various subscriptions: $200 (includes Netflix, Disney, Spotify & HBO Max, Patreon, Apple Theft Care, Online Storage)
Charity: $60
Plan 529: $125
Toll booth: $80
CAR WASH: $38 for unlimited car washes.
Annual expenses:
AcuraLink: $89
Dashpass: $99
AnyList: $14.99
Amazon Prime: $129
Was there an expectation to attend higher education? Did you participate in any form of higher education? If so, how did you pay for it?
Yes, in my family there is a strong emphasis on education. My paternal grandfather was a high school principal. My maternal grandmother, a very driven woman, became superintendent of her town’s school district. I come from a household and culture that saw education as the answer to wealth and success.
